Credit Analyst- Personal Loan (Deputy Manager) Workassist

0.0 years

0 Lacs

Bengaluru, Karnataka, India

On-site

Work Level : Individual Core : Result Driven Leadership : Team Alignment Industry Type : Banking Function : Credit Manager Key Skills : Credit,Credit Manager,Credit Underwriter,Letter oF Credit,Credit Memo,Personal Loan Education : Graduate Note: This is a requirement for one of the Workassist Hiring Partner. Responsibilities: Assess and underwrite personal loan applications as per company policy and credit norms. Analyze applicants' financial data (income documents, bank statements, credit bureau reports, etc.) to determine creditworthiness. Approve/reject loan applications within assigned credit limits. Monitor and evaluate portfolio performance and recommend risk mitigation strategies. Collaborate with sales, operations, and collections teams to ensure effective credit processing and risk control. Design and implement credit risk policy, scorecards, and process improvements. Stay updated on market trends, regulatory guidelines, and competitor practices. Provide training and guidance to junior underwriters or credit analysts. Company Description Workassist is an online recruitment and employment solution platform based in Lucknow, India. We provide relevant profiles to employers and connect job seekers with the best opportunities across various industries. With a network of over 10,000+ recruiters, we help employers recruit talented individuals from sectors such as Banking & Finance, Consulting, Sales & Marketing, HR, IT, Operations, and Legal. We have adapted to the new normal and strive to provide a seamless job search experience for job seekers worldwide. Our goal is to enhance the job seeking experience by leveraging technology and matching job seekers with the right employers. For a seamless job search experience, visit our website: https://bit.ly/3QBfBU2 (Note: There are many more opportunities apart from this on the portal. Depending on the skills, you can apply for them as well). So, if you are ready for a new challenge, a great work environment, and an opportunity to take your career to the next level, don&apost hesitate to apply today. We are waiting for you! Show more Show less

Posted 2 days ago

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Job opening For Credit Managers at SMFG India SMFG INDIA CREDIT COMPANY

1.0 - 6.0 years

2 - 7 Lacs

Bengaluru

Work from Office

Job Title: Credit Underwriter Key Responsibilities Evaluate loan applications for microfinance products by analyzing financial data, credit history, and repayment capacity. Conduct video calls to verify borrower information and assess creditworthiness. Collaborate with loan officers and branch teams to ensure accurate documentation and risk profiling. Prepare credit appraisal memos and recommend loan approvals or rejections. Monitor portfolio quality and flag early warning signals for delinquency. Ensure compliance with internal credit policies and regulatory guidelines. Provide feedback to product and risk teams for continuous improvement of underwriting models. Familiarity with credit scoring models, KYC norms, and NBFC/MFI regulations. Only experienced candidates can apply for the job

Posted 2 weeks ago

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Job opening For Credit Underwriting Officers at SMFG India SMFG INDIA CREDIT COMPANY

1.0 - 6.0 years

2 - 7 Lacs

Chennai

Work from Office

Posted 3 weeks ago

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Credit Underwriting Analyst Unity Small Finance Bank

3.0 - 8.0 years

3 - 8 Lacs

Mumbai

Work from Office

Role & responsibilities Credit applications timely review, with a feedback in line with laid down Bank Policy and Procedures Ensure that loans are originated in compliance with established policies and procedures and those exceptions are properly monitored, documented and approved Assist in developing and monitoring risk mitigation strategies for the organizations critical risk areas Evaluate and monitor the credit management process to Identify risk-related issues needing escalation to management Ensures that the Bank's credit exposures are within set risk bearing limits. Prepare periodic underwriting risk assessment reports Make recommendations about procedural/policy changes to the Head of Risk Keep an up-to-date information on key Credit issues (for example legal, market risk and compliance issues) Assist to enhance the quality of credit applications Ensure regulatory compliance Maintain working knowledge of relevant legislation, statutory instruments, codes of practice, and organization policies, and ensure adherence Preferred candidate profile 2 years relevant experience preferably at a high-growth tech startup in the financial services space Good credit sector understanding Ability to analyze financial data Ability to read large volumes of documents effectively and extract necessary information In-depth understanding of the risk mitigation strategies (credit decision level) Strong in oral communication, analytical and report writing skills Ability to effectively manage multiply priorities Sense of teamwork, cooperative, and adaptable to change. Ability to work under pressure and problem-solving abilities Excellent Excel skills Bachelors Degree Willing to work in Weekends on a rotating shift basis We consider as a plus: previous startup experience knowledge of the credit card or consumer finance industry in fintech

Posted 1 month ago

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